_{Alaska Residents: View disclosures and file a complaint for Prepaid and Money Services here.}

_{Gift Cards}

_{¹CARDS HAVE NO VALUE UNTIL ACTIVATED. TERMS AND RESTRICTIONS APPLY. Only purchases made with your Shopper’s Card from the Kroger Family of Companies or made by scanning the loyalty barcode on the back of your Kroger Family of Companies Rewards World Elite Mastercard® are eligible. Excludes the Kroger Family of Companies Gift Cards, ALL PREPAID RELOADABLE DEBIT CARDS (Green Dot®, MoneyPaks®), & ALL FINANCIAL VARIABLE LOAD CARDS (Mastercard® & Visa®). Offer may be modified or discontinued at any time without notice. Fuel discounts are limited to up to 35 gallons of fuel per purchase, subject to fraud prevention limits on the amount of purchase. Not valid where prohibited by law. Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Third party participants are not a sponsor of the promotion. Product and offer may not be available in all states. Wireless Phones & Airtime cards are excluded from this promotion.Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers or fleet programs. No cash back. Not valid where prohibited by law. Fuel discount not valid in LA. We may suspend or remove you from the fuel program due to suspected violation of these terms or because of fraudulent activity or suspected fraudulent activity. The Visa® and Mastercard® Gift Cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. See Gift Card for terms and applicable fees. No cash access. For use in the U.S. only. The creditor and issuer of the Kroger Family of Companies Rewards World Elite Mastercard® is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
© 2023 U.S. Bank}

_{Gift Card Mall and Bulk eGift Cards are managed by Kroger partner, Blackhawk Network. eGift Cards and our Gift Card Mall is operated by BlackHawk Network, Inc., on behalf of Kroger. Providing any information or purchasing a product, the user is entering a first-party relationship with Blackhawk Network. Both entities have access to and control over Personal Data collected and processed on the Blackhawk Network Inc. managed website, Gift Card Mall. Data protection laws in your jurisdiction may give you specific privacy rights, including the right to request access to or deletion of your Personal Data, and rights regarding the Sale of Data (where applicable). If you wish to exercise those rights you will need to make requests to each company directly; please visit the Blackhawk Network Inc. Privacy Notice and the Kroger Privacy Notice for more information. Use of Blackhawk Network’s Gift Card Mall website constitutes acceptance of the following Privacy Policy and Terms of Service and Visa terms.}

_{Kroger Family of Companies Rewards World Elite Mastercard®}

_{¹Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. Upon approval, see your Cardmember Agreement for details.}

_{²Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers do not earn rewards. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. "Mobile wallet" is defined as the method of paying for a transaction by use of a mobile device (in a store, in-app or online) and includes Apple Pay®, Samsung Pay, Google Pay™, Garmin Pay™ and LG Pay®. If a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction.}

_{³Boost offer applies to new credit cardmembers who apply and are approved for the Kroger Family of Companies Rewards World Elite Mastercard® and existing Kroger Family of Companies Rewards World Elite Mastercard® cardmembers. Must enroll for Boost membership and provide payment information to activate your membership and receive free one-year membership in the Boost program. Upon expiration of free membership period, your credit/debit card will be charged for an annual membership unless canceled prior to the end of free membership period. An annual membership currently costs $59/year, but the cost of the yearly membership is subject to change. You can cancel any time before the end of the first year of membership by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost membership per household. Current Boost members must re-enroll to redeem Boost membership and you will receive complimentary one-year membership in the Boost program after current Boost membership expires. Offer cannot be used for payment of current Boost membership. Limited time offer. See our website for more information regarding Boost membership.}

_{⁴Offer applies to new cardmembers only. Subject to credit approval. The first-year additional 25¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. Following completion of the introductory fuel offer, your Account will be eligible for an additional 25¢ per gallon discount at Kroger Family of Companies Fuel Centers when you (1) spend $6,000 annually in eligible net purchases and (2) redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points, and pay with your Kroger Family of Companies Rewards World Elite Mastercard® in order to receive the fuel discount. You must spend at least $6,000 in a calendar year (or within the first 12 months after Account opening, as described below). The date that a transaction is made may not be the same date that a transaction posts to your Account. Transactions must post within the 12-month period to be applied toward the required minimum spend amount. Once the minimum spend is reached, you will be eligible to receive the 25¢ fuel discount starting within the next calendar month. Your Account must be open and in good standing (not past due or overlimit) at the time you qualify to receive the fuel discount. Fraudulent transactions will not earn fuel points. The 25¢ fuel discount expires on January 31st and following that date, you will receive 5¢ off per gallon of fuel unless the previous calendar year’s eligible net purchases on your Account totaled at least $6,000 (in which case the 25¢ discount will continue for the remainder of the year). To be eligible for the first calendar year after the Account is opened, your posted spend must equal at least $6,000 during the first 12 months that your Account is open. Eligibility for the second year (even if Account has not been open for 12 months), and future years, is determined on a calendar year basis starting January after the Account is opened. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective at participating fuel center locations. Not valid in MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.}

_{⁵The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.}

_{The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.}

_{The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.}

_{©2023 U.S. Bank}

_{Kroger Pay}

_{³When you use Kroger Pay with a Kroger Payments card.}

_{Money Services}

_{⁴Kroger engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000. After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.}

_{Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice.}

_{Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).}

_{Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.}

_{Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.}

_{The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.}

_{Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit https://us.riafinancial.com/en/legal/file-complaint.}

_{For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code. After contacting Ria, if you still have a complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.}

_{For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.}

_{Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.}

_{This retail location engages in the money services business by offering prepaid cards issued by U.S. Bank National Association (“U.S. Bank”) pursuant to a license issued to Kroger MTL Management, LLC. If you have a complaint, first contact U.S. Bank at 1-888-853-9536.}

_{If your issue is unresolved by U.S. Bank at 1-888-853-9536, please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf
Submit formal complaint form with supporting documents:
Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807
If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One}